Video & Transcript Research : 'loan restructuring'

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CA
Transcript Highlights:
  • part of the includes banks and credit unions, to the regulation of cannabis businesses, to providing loans
  • But although we're talking about a restructure, we're obviously very much talking about the people.
  • known as the Department of Financial Protection and Innovation, has also gone through a reorg and restructure
  • So in the spirit of the restructure, we really tried to use a few guiding principles to try to figure
  • to the next level of creating impact and out put and outcome, and that definitely comes with a restructuring
Keywords: 988, house, all
AR

Arkansas 2026 1st Special Session

ALC-PEER Jan 13th, 2026

ALC-PEER

Transcript Highlights:
  • It is for $1.4 million to make a loan to the Office of Technology to replace the power supply for the
  • The appropriation funds are made available by the Sustainable Building Design Revolving Loan Fund Program
  • So I don't know how the agency could just resubmit it and restructure it unless there was a renegotiation
  • So it won't, I don't know how the agency could just resubmit it and restructure it unless there was a
Summary: The committee met to consider a series of appropriation, reserve transfer, and grant requests. Early items included temporary appropriations for the Department of Education’s Educational Freedom Account program ($32 million), the State Crime Lab ($476,000), and DFA Assessment Coordination ($90,000), along with a $1 ARPA return from the Department of Health. The committee approved these items after brief questions, including a discussion about contract cost increases at Assessment Coordination and a clarification that the $1 ARPA item was simply an unused-funds return. The most extensive discussion centered on the Department of Education’s EFA funding. Members questioned the growth in participation, the use of one-time funds and restricted reserves, and safeguards against fraud or improper purchases. Agency officials said about 44,000 students were being funded, that purchases are reviewed and flagged for unusual activity, and that homeschool students are not required to buy a curriculum so long as purchases are eligible and approved. The committee approved the EFA appropriation and related reserve transfer, and officials said the governor’s proposed budget would include the program in the RSA going forward. The committee also approved a DHS reallocation request and reviewed a building authority loan for a data center power supply replacement. In the federal grant section, members discussed a Department of Agriculture request for Central Arkansas Water to acquire land in the Maumelle watershed. Debate focused on the environmental benefits versus local property-tax and development concerns in Perry County, with testimony from the agency, Central Arkansas Water, and Potlatch about watershed protection, public access, and potential development impacts. After extended discussion, the committee adopted a motion to defer the item to the full Legislative Council and asked the department to remove the Perry County portion from the request, limiting the grant-funded purchase to Pulaski County property. The committee then reviewed remaining items, including a Veterans Affairs pay-plan appropriation, and adjourned.
AR

Arkansas 2026 Regular Session

ALC-PEER Jan 13th, 2026

ALC-PEER

Transcript Highlights:
  • It is for $1.4 million to make a loan to the Office of Technology to replace the power supply for the
  • The appropriation funds are made available by the Sustainable Building Design Revolving Loan Fund Program
  • So it won't, I don't know how the agency could just resubmit it and restructure it unless there was a
  • renegotiation. ...that the agency could just resubmit it and restructure it unless there was a renegotiation
Summary: The committee met to consider a series of temporary appropriation requests, reserve fund transfers, federal grant appropriations, and review items. Early items included a $32 million appropriation and matching reserve transfer for the Department of Education’s educational freedom account program, a $476,000 request for the State Crime Lab, and a $90,000 assessment coordination request from DFA. Members asked questions about the assessment contract costs, and the item was approved. The committee also approved a $1 ARPA return to the CDC and a Department of Human Services reallocation package that moved general revenue and positions among divisions to meet client needs. The most extensive discussion centered on a $32 million restricted reserve transfer for the educational freedom account program. Members questioned the growing number of participating students, the program’s long-term funding needs, and safeguards against improper purchases. Agency representatives said about 44,000 students were being funded, that reimbursements and marketplace purchases are reviewed, and that reporting and audit controls are in place, though not every instance of fraud can be prevented. The committee approved the transfer after discussion. Members also approved smaller cash and federal grant items, including funding for a teacher shortage data dashboard, All Kids Bike grants, crime lab outsourcing, veterans cemetery operations, and a podiatric medicine licensing investigation fund. The most contentious item was a $7 million federal Forest Legacy grant request for Central Arkansas Water and the Department of Agriculture to acquire land in the Maumelle watershed, including acreage in Perry County and Pulaski County. Members debated water quality, development pressure, property tax impacts, local support, and whether Perry County had been adequately consulted. Agency and company representatives argued the acquisition would protect drinking water, preserve forested watershed land, and support recreation, while some legislators emphasized the county’s tax and development concerns. Senator Davis moved to defer the item to the full Legislative Council and to request removal of the Perry County portion; that motion passed. The committee then reviewed the remaining items, including a Veterans Affairs pay plan request, and adjourned.
ND

North Dakota 2026 1st Special Session

Legislative Audit and Fiscal Review Committee Mar 24th, 2026 at 10:00 am

Legislative Audit and Fiscal Review Committee

Transcript Highlights:
  • Going through that restructure within our business office has been time-consuming for them.
  • We had restructure with President Shirley, myself.
  • Going through that restructure within our business office has been time consuming for them.
  • So we're trying to do some internal restructuring.
  • Are they loans or— Yeah, they've gotten three distributions. Are they loans or grants?
Keywords: 908, all
NH
Transcript Highlights:
  • and um um I think I that restructuring and um um I think I covered<01:10:46.560> these<01:10:
  • This provider has over $320,000 of dental school loan debt.
  • program<02:10:50.000> or The state loan repayment program or The state loan repayment
  • <02:12:02.960> repayment submitted to the state loan repayment submitted to the state loan
  • $320,000 of uh dental school loan debt. $320,000 of uh dental school loan debt.
Keywords: 928, house, all
Summary: The committee first handled roll call and approved the prior meeting minutes. Members discussed attendance and substitutions, then moved to the DHS commissioner’s update, which focused on New Hampshire’s Medicaid 1115 waiver and the new community re-entry initiative for people leaving correctional facilities. The presenter explained that the waiver lets the state cover certain services not normally covered under Medicaid, including substance use disorder treatment, serious mental illness services, adult dental benefits, and the new community re-entry component. She also noted that a separate youth re-entry component is federally required, with youth defined up to age 21 and foster-care-related coverage extending to age 26. The update described how the adult re-entry program works for incarcerated individuals with behavioral health needs, providing up to 45 days of pre-release services, care coordination with managed care organizations and DOC staff, telemedicine assessments, discharge prescriptions, insurance cards, and connections to community mental health, primary care, and substance use providers. For youth, the program includes more intensive case management, 30 days of pre-release services, and 30 days of post-release care coordination, with a stronger emphasis on screening, diagnosis, and holistic assessment. The presenter said New Hampshire received the adult waiver in July 2024, has implemented the program in state correctional facilities, and is beginning work at the youth center. Members and the presenter discussed why the program is structured as a waiver rather than a standard Medicaid benefit, with the explanation that CMS is allowing this as a newer policy area and that states generally pursue waivers for certain services. The chair and others emphasized the need for real cost and outcome data, and the presenter said an independent evaluator and evaluation plan are required under the 1115 waiver. Early results cited included 30 adults enrolled so far, 10 released, five youth enrolled with one released, and anecdotal early successes such as housing, employment, and better continuity of medication and treatment. The committee did not take any additional votes or formal actions beyond approving the minutes.
NM

New Mexico 2026 Regular Session

Senate - Health and Public Affairs Feb 17th, 2026 at 10:37 am

Senate Health & Public Affairs

Transcript Highlights:
  • And Senator Pinto, we are hoping to pass many measures this session that will the loan forgiveness.
  • We're here to present House Bill 66, Healthcare Professional Loan Fund Changes.
  • As a Single mom with $180,000 in student loan debt, going from associates to bachelor's, dual masters
  • It's great that it improves funding for loan repayment for many types of providers.
  • So they could actually qualify for quite a large loan repayment. Thank you.
Keywords: 996, all
US
Transcript Highlights:
  • Indian Health Service presides scholarships and loan repayments opportunity incentive for the medical
  • reforms legislation considering the 119 Congress should be making the Indian Health Scholarships and loan
  • Congress to increase the amount available to tribes through the Department of the Interior's Indian Loan
  • , tribes cannot take advantage of the new market tax credits if going through the Indian Guarantee Loan
  • And so I think there needs to be, ultimately, some restructuring so there can be a focus on this.
Summary: The committee meeting focused on crucial issues facing tribal nations, particularly emphasizing the federal government's trust and treaty obligations. The discussions highlighted ongoing challenges such as disparities in healthcare, education, and public safety within Native communities. Chair Murkowski underscored the importance of listening to Native leaders and aligning congressional efforts with community needs, advocating for legislative actions that support tribal sovereignty and economic development. Various initiatives, including the Tax Parity Act and the PROTECT Act, aimed at addressing jurisdictional and financial disparities, were discussed in detail. A call for bipartisan support to alleviate the funding shortages affecting Indian Health Services was made several times during the meeting. Testimonies from tribal leaders and representatives emphasized the dire need for legislative support to enhance infrastructure, healthcare access, and public safety initiatives in tribal communities.
TX
Transcript Highlights:
  • We did a complete restructure. We changed a lot. It's become a lot more decentralized.
  • We did a complete restructure. We changed a lot. It's become a lot more decentralized.
  • We did a complete restructure. We changed a lot. It's become a lot more decentralized.
  • So I guess, and just a final point, I really appreciate the willingness to loan out **Ms.
Bills: SB 1
US
Transcript Highlights:
  • While conversations are happening across the federal government about restructuring education, strengthening
  • As Congress begins to consider proposals to restructure the Department of Education and whether tribal-specific
  • benefit Native children and unhoused Native children, people with disabilities. disabilities and federal loan
Summary: The meeting focused on the responsibilities of the U.S. Department of Education towards Native students, highlighting the importance of federal education programs that satisfy treaty obligations to Native communities. Various witnesses testified about the impact of educational policies designed to support Native students who primarily attend public schools. Concerns were voiced over recent proposals that could potentially undermine these programs, citing the role of federal funding in ensuring successful educational outcomes for Native youth. The chair of the committee emphasized the need for continued federal support and attention to the unique educational challenges faced by Indigenous populations.
MN

Minnesota 2025 1st Special Session

House Housing Finance and Policy Committee 2/11/25

Housing Finance and Policy

Transcript Highlights:
  • <00:08:42.200> agency that's just a standard loan agency that's just a standard loan agency
  • to do either grants or 0% deferred loans to do either grants or 0% deferred loans oftentimes<01:
  • The single-family rehab loan programs...
  • The single-family rehab loan programs...
  • The single-family rehab loan programs is a 0% loan to make up to $37,500 of home improvements in owner-occupied
Keywords: 1183, house
Summary: The committee met for an agency overview from Minnesota Housing Commissioner Jennifer Ho. After member and staff introductions, Ho described Minnesota Housing’s mission, structure, and role as a mission-driven financial institution that issues bonds, uses earnings to support operations, and works across the housing continuum from homelessness prevention to homeownership and preservation. She emphasized that the agency is not a builder or regulator, but funds and partners with developers, local governments, nonprofits, and lenders. She also noted the agency’s four divisions, including a new local government housing programs division created after the 2023 legislative session expanded the agency’s responsibilities. Ho reviewed funding and program activity, saying Minnesota Housing spent $1.96 billion in fiscal year 2024 and helped more than 73,000 households. She highlighted that the agency’s work is heavily competitive and often oversubscribed, with many projects selected through RFPs and grants but more applications than available resources. She discussed 2023 and 2024 investments, including homeownership, rental, and manufactured housing projects, and said roughly half of competitive dollars have gone to Greater Minnesota over the last several years. She also explained the difference between funds committed and funds actually disbursed, noting that construction and rehabilitation projects can take many months to close and draw down funds. The commissioner also updated members on new programs created in 2023 and 2024, including first-generation down payment assistance, the Greater Minnesota Workforce Housing Development Program, public housing rehabilitation, state housing tax credits, and other local and regional initiatives. She said some programs are already closed out, while others remain in early implementation or are still accepting applications. Ho mentioned a forthcoming technical amendment to adjust a high-rise sprinkler program after eligibility issues limited participation. She closed with examples of projects preserved or funded, including a St. Louis Park preservation deal, public housing preservation in Greater Minnesota, a St. Cloud challenge project, and the first-generation down payment assistance program, which distributed $50 million to about 1,450 first-time buyers, most of whom were Black, Indigenous, or people of color. No votes or formal committee actions were taken.
NM

New Mexico 2026 Regular Session

House - Chamber Meeting Feb 12th, 2026 at 04:58 pm

New Mexico House Floor Meeting

Transcript Highlights:
  • Telecommunications Act of New Mexico to establish a low-income telecommunications assistance program and restructure
  • the existing broadband program, making conforming and cleanup amendments. ...and restructure the existing
  • Telecommunications Act of New Mexico to establish a low-income telecommunications assistance program and restructure
  • the existing broadband program, making conforming and cleanup amendments. and restructure the existing
NM

New Mexico 2026 Regular Session

House - Chamber Meeting Part 2 Feb 12th, 2026 at 12:58 pm

New Mexico House Floor Meeting

Transcript Highlights:
  • that helps with... ...a $50,000 to $75,000 loan.
  • or VA loans for down payment assistance.
  • For VA loans for down payment assistance. Mr.
  • So how are we going to watch that over the life of a loan, which could be a 30-year loan?
  • It is, so if I'm looking at the FIR, the loans will be zero interest to the homebuyer's loan assistance
MN

Minnesota 2025-2026 Regular Session

House Workforce, Labor, and Economic Development Finance and Policy Committee 3/6/25

Workforce, Labor, and Economic Development Finance and Policy

Transcript Highlights:
  • uh um uh programs so um with uh and Loan uh um uh programs so um with that<01:24:31.600> Mr<01
  • She said access to capital is the biggest opportunity for entrepreneurs, and NDC provides loans up to
  • $250,000, helping about 50 businesses a year with loan capital.
  • <01:32:37.920> um<01:32:38.040> how government we can restructure um how government
  • we can restructure um how funds<01:32:38.440> go<01:32:38.600> out<01:32:38.840> but
NM

New Mexico 2025 Regular Session

Senate - Rules Jan 27th, 2025

Senate Rules

Transcript Highlights:
  • When a candidate has a personal loan to themselves, they can't charge interest and then pay that loan
  • Section 4 clarifies that, and Section 5 requires disclosure about the terms of the loan.
  • loan. changing some disclosure timeframes.
  • Common recipients of these loans are very small businesses.
  • In expanding that, they have given loans to businesses in almost all counties.
TX

Texas 89th Regular

Water, Agriculture, and Rural Affairs May 19th, 2025

Water, Agriculture and Rural Affairs

Transcript Highlights:
  • House Bill 43 updates the Texas Agricultural Finance Authority through restructuring of the board to
  • The Interest Rate Reduction Program helps Texas farmers and ag businesses get lower-interest loans by
  • House Bill 43 increases the maximum loan amount and decreases the maximum state-set deposit rate from
  • It's a low-interest loan. And like the housing program I had was a tough...
  • So a lot of the money is coming back from the industry itself in addition to loan repayment.
Summary: The Senate Committee on Water, Agriculture, and Rural Affairs met with only four members initially present, so quorum was not established until later in the hearing. The committee heard several agriculture-, wildlife-, and food-labeling-related bills, including HB 3479 on expanding the Rio Grande vegetative management program beyond carrizo cane to other noxious vegetation, SB 823 on shrimp origin labeling and restrictions on misrepresenting imported shrimp as Texas or Gulf shrimp, HB 3088 on giving Texas Parks and Wildlife more flexibility to procure resale goods for park gift shops, HB 1275 on permits for non-bovine dairy farms in certain TB-affected areas, HB 519 on honey production and packaging rules, HB 609 on cleaning oyster cages in-bay with bay water only, HB 1592 on a voluntary AgriLife pest and disease alert system, HB 2842 on targeted urban deer depredation permits, and HB 4163 on limiting city requirements that agricultural operators maintain roadside rights-of-way. Testimony generally came from industry groups, agency resource witnesses, and affected producers, with most witnesses supporting the bills and several bills drawing questions about enforcement, labeling responsibility, and the scope of local authority. The most extensive discussion centered on SB 823, where Vice Chair Hancock and others questioned why wholesalers would be covered if they cannot relabel products. The bill author and restaurant association witness said the measure was intended to improve transparency and allow enforcement against intentional mislabeling, while preserving a good-faith defense and clarifying that the bill does not create a private cause of action. HB 519 also drew supportive testimony from beekeepers and a family farm, who argued that current rules treat honey extraction and bottling too much like food manufacturing and burden small operations. HB 609 was presented as a way to save time and resources for cultivated oyster mariculture by allowing cage cleaning in the bay without soaps or chemicals, and HB 1592 was described as a voluntary opt-in alert system for pests and diseases coordinated through AgriLife and other state agencies. HB 43 generated the most detailed policy debate. The bill would restructure and expand the Texas Agricultural Finance Authority, update grant and loan programs, and create a pest and disease control depredation program. The committee substitute reduced some funding caps, changed references from predators to depredating animals, and made the financial provisions contingent on appropriations. Supporters from Texas Farm Bureau, cotton growers, grain and feed interests, and young farmers described severe drought, inflation, land loss, rising input costs, and shrinking infrastructure as major threats to agriculture, while one witness urged preserving priority for young farmers. After testimony, the committee adopted the committee substitute and reported HB 43 favorably. The committee also voted HB 519, HB 609, HB 1275, HB 1592, HB 3088, HB 3479, HB 2842, and HB 4163 favorably, with several recommended for the local and uncontested calendar. SB 823 was reported from committee on a 6-2 vote after adoption of the committee substitute. The meeting ended with notice that the committee would tentatively reconvene Friday morning and then recessed subject to the chair's call.
MA

Massachusetts 2025-2026 Regular Session

Joint Committee on Financial Services Jun 21st, 2026 at 10:00 am

Joint Committee on Financial Services

Transcript Highlights:
  • the loan.
  • But I received a bad loan.
  • They extended the loan a bit, and they're there now.
  • A predatory loan was obtained in February of 2005.
  • Morris, I received a piggyback loan in 2006.
Keywords: 995, all
Summary: The Committee on Financial Services heard testimony on several bills focused on consumer debt, mortgage regulation, credit unions, and foreclosure prevention. The Attorney General’s Office strongly supported the Debt Collection Fairness Act (S. 735/H. 1275), saying it would curb abusive debt collection, prevent stale claims, limit civil arrest warrants, modernize wage garnishment rules, and reduce judgment interest rates. Senator Eldridge and legal aid advocates echoed that support, while the Massachusetts Bankers Association and the Massachusetts Mortgage Bankers Association supported bills on credit union mission/competition, consumer privacy in mortgage applications, subprime loan definitions, UCC updates, and protections for vulnerable adults, but opposed foreclosure mediation proposals and several credit union expansion measures, arguing they would distort competition and add unnecessary burdens. A large portion of the hearing focused on foreclosure prevention bills (S. 765/H. 1090), with testimony from homeowners, housing organizers, and legal advocates describing predatory lending, confusing servicing practices, health harms, and displacement caused by foreclosure. Supporters said a statewide pre-foreclosure mediation program would give borrowers and lenders a chance to reach alternatives such as loan modifications or repayment plans, and cited local experience in Lynn where mediation reportedly produced high rates of foreclosure alternatives. Opponents from the banking industry argued Massachusetts already has strong foreclosure protections and that a new mandatory process could delay resolution without added benefit, though they also noted a 2024 pilot should be evaluated first. The committee also heard strong support for H. 1282/S. 684, which would update the Massachusetts Uniform Commercial Code. State Street and a bankruptcy attorney said the changes are needed to keep commercial law current with electronic transactions, tokenized assets, and blockchain technology, and to maintain competitiveness with other states. The hearing concluded after public testimony, with no bill votes taken during the session; the chair thanked speakers and the committee voted to adjourn.
NM

New Mexico 2025 Regular Session

IC - New Mexico Finance Authority Oversight Aug 11th, 2025

New Mexico Finance Authority Oversight Committee

Transcript Highlights:
  • We've had to do some loan restructurings, but we've never had a borrower fail to pay us.
  • For the reimbursement loans, the less than ten million dollar loan, They've got their money.
  • the loan.
  • That's the instances in which we would make loans for taxable loans, for instance.
  • So it's possible that there are ways in which we could help make loans—make loans potentially.
TX

Texas 89th 2nd C.S.

Intergovernmental Affairs Apr 8th, 2025

Intergovernmental Affairs

Transcript Highlights:
  • Wilson: OK, like, yeah, I just was wondering about, you know, the need for the loan assistance, right
  • So it's supposed to help them, what are the benefits of partaking in that loan assistance?
  • And that's the main key thing for that loan assistance is the down payment.
  • And the only thing this bill does is simply add social workers as eligible participants for the loan
  • I'm here in support of HB 158, which expands eligibility for Homes for Texas Heroes home loan programs
Bills: HB158
AL

Alabama 2025 Regular Session

Alabama House May 1st, 2025

Alabama House Floor Meeting

Transcript Highlights:
  • Let's examine the proposed board... board restructuring.
  • and the reason they went into bankruptcy is because they ended up in a scam and made some unsecured loans
  • And when they went into variable rates on the loans that they made, the rates went... the loans that
  • How would restructuring the board help accomplish that more than just holding... ...accomplish that more
Bills: HB 1520, HB 1545, HJR 110, HJR 203, HB 245, HB 1465, HB 1482, HB 294, HB 793, HB 809, HB 3928, HB 334, HB 2037, HB 1973, HB 285, HB 4341, HB 4264, HB 1043, HB 837, HB 1234, HB 1193, HB 1194, HB 1646, HB 1729, HB 2498, HB 1314, HB 2295, HB 1353, HB 1531, HB 1988, HB 5398, HB 3960, HB 3923, HB 1407, HB 1764, HB 2221, HB 2214, HB 2517, HB 2518, HB 2213, HB 5008, HB 5092, HB 3421, HB 3663, HB 3748, HB 3800, HB 3756, HB 2613, HB 3782, HB 5246, HB 4344, HB 4044, HB 4066, HB 2702, HB 2807, HB 2869, HB 2898, HB 3181, HB 3250, HB 4153, HB 2091, HB 2115, HB 2542, HB 2768, HB 3349, HB 3352, HB 4406, HB 1593, HB 1899, HB 3133, HB 4432, HB 4960, HB 3214, HB 3915, HB 3508, HB 2145, SB 304, SB 608, SB 2312, SB 494, SB 530, HB 45, HB 2520, HB 35, HB 47, HB 318, HB 349, HB 554, HB 1359, HB 1373, HB 2254, HB 2259, HB 2853, HB 3073, HB 3088, HB 353, HB 355, HB 786, HB 762, HB 705, HB 932, HB 849, HB 1119, HB 3041, HB 713, HB 3104, HB 3970, HB 4042, HB 4490, HB 1731, HB 2607, HB 3689, HB 1788, HB 1612, HB 138, HB 15, HB 1971, HB 1338, HB 2989, HB 267, HB 1201, HB 2954, HB 5265, HB 1804, HB 5061, HB 1520, HB 1545, HJR 110, HJR 203, HB 1887, HB 1914, HB 2402, HB 2306, HB 1809, HB 2350, HB 3000, HB 3237, HB 3326, HB 3211, HB 1056, HB 2081, HB 2187, HB 3092, HB 3308, HB 3526, HB 3750, HB 3527, HB 4219, HB 4230, HB 4290, HB 5238, HB 4804, HB 4749, HB 245, HB 1465, HB 1482, HB 294, HB 793, HB 809, HB 3928, HB 334, HB 2037, HB 1973, HB 285, HB 4341, HB 4264, HB 1043, HB 837, HB 1234, HB 1193, HB 1194, HB 1646, HB 1729, HB 2498, HB 1314, HB 2295, HB 1353, HB 1531, HB 1988, HB 5398, HB 3960, HB 3923, HB 1407, HB 1764, HB 2221, HB 2214, HB 2517, HB 2518, HB 2213, HB 5008, HB 5092, HB 3421, HB 3663, HB 3748, HB 3800, HB 3756, HB 2613, HB 3782, HB 5246, HB 4344, HB 4044, HB 4066, HB 2702, HB 2807, HB 2869, HB 2898, HB 3181, HB 3250, HB 4153, HB 2091, HB 2115, HB 2542, HB 2768, HB 3349, HB 3352, HB 4406, HB 1593, HB 1899, HB 3133, HB 4432, HB 4960, HB 3214, HB 3915, HB 3508, HB 2145, HCR 6, HCR 12, HCR 34, HCR 50, HCR 55, HCR 58, HCR 70, HCR 71, HCR 72, HCR 74, HCR 75, HCR 78, HCR 80, HCR 93, HCR 100, HCR 107, HCR 116, HCR 117, HCR 90